LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,055
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,296
−HK$2,277/mo
Today · 4.125%
HK$76,573
baseline
▲ 0.50% · 4.625%
HK$81,232
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,146/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,160
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,310
−HK$2,181/mo
Today · 4.125%
HK$84,491
baseline
▲ 0.50% · 4.625%
HK$88,945
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,982/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,466
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,155
−HK$2,733/mo
Today · 4.125%
HK$91,888
baseline
▲ 0.50% · 4.625%
HK$97,479
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,776/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,192
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,772
−HK$2,617/mo
Today · 4.125%
HK$101,389
baseline
▲ 0.50% · 4.625%
HK$106,733
+HK$5,344/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,778/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,877
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,014
−HK$3,188/mo
Today · 4.125%
HK$107,202
baseline
▲ 0.50% · 4.625%
HK$113,725
+HK$6,523/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,404/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,224
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,234
−HK$3,053/mo
Today · 4.125%
HK$118,287
baseline
▲ 0.50% · 4.625%
HK$124,522
+HK$6,235/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,574/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,698
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,733
−HK$4,099/mo
Today · 4.125%
HK$137,832
baseline
▲ 0.50% · 4.625%
HK$146,218
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,664/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,288
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,158
−HK$3,926/mo
Today · 4.125%
HK$152,084
baseline
▲ 0.50% · 4.625%
HK$160,100
+HK$8,016/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,168/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,974 · Scale 2, in force from 26 Feb 2026)